Common Closing Costs for Buyers    

The lender must disclose a good faith estimate of all settlement costs. A check to cover your closing costs will probably have to be a cashier's check. The title company or other entity conducting the closing will tell you the required amount for:   

Down payment
Loan origination fees         
Points, or loan discount fees, you pay to receive a lower interest rate 
Appraisal fee
Credit report 
Private mortgage insurance premium 
Insurance escrow for homeowners insurance, if being paid as part of the mortgage
Property tax escrow, if being paid as part of the mortgage. Lenders keep funds for taxes and insurance in escrow accounts as they are paid with the mortgage, then pay the insurance or taxes for you. 
Deed recording fees
Title insurance policy premiums 
Inspection fees—building inspection, termites, etc.
Notary fees
Prorations for your share of costs, such as utility bills and property taxes

Click here for customary closing costs by county.  Everything is Negotiable!!